Hail Damage

Hail Damage FAQ

Why the state of Texas?

Virginia does not require insurance adjusters to be licensed by the state or go through any training whatsoever. The adjuster’s license from the state of Texas is the most recognized license across the nation. By Alpha Rain requiring our staff to have a Texas adjusters license we are better equipped in insurance talk than most adjusters working in the state of Virginia.

Why is it important to have one of Alpha Rain’s trained professionals meet with the insurance adjuster once the claim is made?

Many times the adjuster will overlook damage, and other times they do not have any motivation to find damage. The truth is insurance companies do not make money by paying for claims. In having one of our trained professionals from Alpha Rain meet with the insurance companies adjuster, we will be able to insure that all your needs are met in a fair and reasonable way.

How much do you charge for a roof inspection, and meeting with the insurance company and working with them to complete my claim?

We do not charge for any of the items listed above. We do ask that you use us for the roofing project if the insurance company pays to replace your roof and we ask for that in writing.

Helping the Insurance Company?

The insurance company wants you to choose the cheapest roofing company in order to save them money! You get to choose your roofing company and the insurance company has to pay fair market value. We will work with the Insurance Company on price in order to be fair for both parties.

Can I keep the extra Money if the insurance company pays more than the contractor charges?

No, that is insurance fraud and under Virginia State law is a felony. The Virginia State Police has a fraud team that will prosecute anyone involved.

Can you include the cost of my deductible in the price of your estimate to the insurance company or not charge me the deductible because money is tight?

If we did that we would both be committing insurance fraud and would be charge with a felony under Virginia State law, and be prosecuted by the Virginia State police fraud division. Most deductibles are $500 to $1,000, so is it worth it to pay that amount in order to receive a multiple thousand dollar roof paid for by the insurance company? Most of the time the answer is Yes.

Does my roof have damage from hail if I can’t see any damage from the ground?

99% of all hail damage cannot be seen from the ground; even trained professionals are not able to see hail damage from the ground.

If the roof is not leaking after the hail storm how can there be damage?

The deceiving thing about hail damage is normally it will not show up until a couple of years later once the roof has completely deteriorated and is at the end of its life.Â

How does hail damage my roof?

A hail stone falls from the sky with speeds from 50 to 150 MPH. The damage occurs when the stone hits the shingle and loosens the glue that holds the granules to the shingle. Once this happens your roof can deteriorate in as little time as one or two years. For a metal roof, the hail stone dents the roof and this causes the paint to peel and crack making it a maintenance problem for the entire life of the roof.  Hail will also devalue your house.  If a house inspector sees there has been past hail damage they will note it and you might have to replace your roof before selling it.

Can I make an Insurance Claim on my roof due to hail damage?

Yes you can, in fact if you have hail damage to your roof it is the insurance companies responsibility to assess your damage and replace your roof if it is totaled due to hail.

Can I wait until my roof leaks and then make an insurance claim?

You only have 2 years from the time that the hail storm occurred to make a claim with your insurance company. Most of the time once your roof starts leaking due to hail damage it will be past the 2 year mark, in which case the insurance company will not pay, and will deny the claim if you try and make one.

How does your roofing company, Alpha Rain, know anything about hail damage, insurance lingo, and what the policy states?

We require that all our salesmen/project managers have an adjuster’s license from the state of Texas before they are able to work with home owners with hail damaged roofs.

How do you know that my insurance policy covers my roof replacement due to hail damage?

If you have a home owner policy for your house you are covered due to a hail storm, unless otherwise noted in the policy.